Terms Of Use

Lifeinsurance99.com and other Lifeinsurance99 websites (collectively, the “Website”) are digital services owned and operated by Lifeinsurance99 Media LLC (“Lifeinsurance99,” “our,” or “we”). Lifeinsurance99 is dedicated to providing visitors to the Website with a highly interactive and positive experience, while at the same time protecting our rights and the rights of our users. We have developed these Terms of Service (“Terms”) to govern your use of the Website as well as your use of or interaction with any other Lifeinsurance99 owned or operated digital service or channel, including without limitation our mobile site, mobile applications, digital membership products, print or online magazine subscription(s), events, and social media and other channels (e.g., Lifeinsurance99’ profiles and Content on social media platforms; newsletters; emails) (“Lifeinsurance99 Channels”). We, along with our affiliates, partners, and advertisers, provide content and services to you via the Website and Lifeinsurance99 Channels subject to the following conditions. Your use of the Website and/or Lifeinsurance99 Channels tells us you have read and agreed to these Terms. Please read them carefully. These Terms are a binding contract between you and Lifeinsurance99 regarding your use of the Website and Lifeinsurance99 Channels, unless a different set of terms of service is set out on a specific site or channel, in which case these Terms will supplement the applicable set of terms of service. Lifeinsurance99 surveys, contests, and sweepstakes may have additional terms and conditions that supplement these Terms. If you do not agree with any of these terms, please stop using the Website and cease use of any Lifeinsurance99 Channels.

The Website and Lifeinsurance99 Channels are not meant for or targeted to anyone under the age of 16, and you must be at least 16 years of age or over to use the Website or Lifeinsurance99 Channels. Your parent or guardian must review and accept these Terms on your behalf if you are below the age of consent under your location’s applicable law.

To learn how Lifeinsurance99 collects, processes, and shares personal information, please consult Lifeinsurance99’ Privacy Statement.

The Content



All of the information, content, services and software displayed on, transmitted through, or used in connection with the Website or Lifeinsurance99 Channels, including for example, advertising, directories, lists, guides, articles, opinions, reviews, text, photographs, images, illustrations, graphics, audio, video, html, source and object code, software, data, and all the selection and arrangement of the aforementioned and the “look and feel” of this Website and Lifeinsurance99 Channels (collectively, the “Content”), are protected under applicable copyrights and other proprietary rights and are the intellectual property of Lifeinsurance99 and its affiliated companies, licensors and suppliers. Lifeinsurance99 actively protects its rights to the Content to the fullest extent of the law. You may not use the Content except as expressly provided in these Terms.


The Content includes logotypes, trademarks and service marks (collectively “Marks”) owned by Lifeinsurance99, and Marks owned by other information providers and third parties. For example, “Lifeinsurance99” is a registered trademark of Lifeinsurance99. No Marks may be used in any manner unless approved in advance, in writing by Lifeinsurance99.


You may use the Website, Lifeinsurance99 Channels, and Content online and solely for your personal, non-commercial use, and you may download or print a single copy of any portion of the Content, where permitted, for your personal, non-commercial use, provided you do not remove any trademark, copyright or other notice contained in such Content. No other use is permitted without securing the prior written consent of Lifeinsurance99.


Requests to use the Content for any purpose other than as permitted in this Section 1 should be submitted as directed on the Website or Lifeinsurance99 Channels, as applicable.


Access to Content on the Website is possible, in part, due to the paid advertising that appears on the Website. In exchange for your access to this Content, and except where contrary to applicable law, you agree that you will not, and will not permit any third party to, remove, obstruct, modify, or otherwise interfere with the delivery or display of advertisements on the Website.


Lifeinsurance99 respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement or are aware of any infringing material placed by any third party on the Website, please contact our designated copyright agent, in writing, either by email at copyrightagent@lifeinsurance99.com or by regular mail at Lifeinsurance99 Media LLC, 499 Washington Blvd., Jersey City, NJ 07310, USA, Attn: Legal Department, Copyright Agent, DMCA Complaints, and provide the designated copyright agent with the following information consistent with the form required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. Section 512(c)(3):

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
Identification of the copyright work claimed to have been infringed;
Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to locate the material;
Information sufficient to permit us to contact the complaining party, including address, telephone number, and e-mail address;
A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please note that attachments cannot be accepted at the e-mail address for security reasons. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed. Lifeinsurance99 will terminate the account of any user that is determined to be a repeat copyright infringer.

Prohibited Uses of Website and Lifeinsurance99 Channels



By accessing or using the Website and/or Lifeinsurance99 Channels, including any Content, you agree to use them only as expressly permitted by these Terms. Unless you have Lifeinsurance99’ prior written permission, you shall not:

Alter, copy, rearrange, broadcast, rewrite, redistribute, transfer, sell, republish, modify, use for broadcast or publication in any medium, directly or indirectly, any Lifeinsurance99 intellectual property, Content or any other part of the Website or Lifeinsurance99 Channels;
Remove, suppress, or alter the display of advertising, except where applicable law expressly grants such rights;
Frame or utilize framing techniques that involve any trademark, logo, copyrighted material, or other proprietary information (including images, text, page layouts, or forms) of any portion of the Website or Lifeinsurance99 Channels;


Archive, cache, store, or incorporate into a database any Content or any other part of the Website or Lifeinsurance99 Channels;


Decompile, reverse engineer, decrypt, disassemble, or circumvent any aspect of the Website or Lifeinsurance99 Channels;


Insert or introduce any malicious or otherwise unauthorized code, device, or means, or take any action that may impose an unreasonable or disproportionately large load on our infrastructure;
Use any data mining, robot, spider, cancelbot, Trojan horse, or any data gathering, scraping, indexing, or extraction method on any part of the Website or Lifeinsurance99 Channels;
Use the Website or Lifeinsurance99 Channels in a manner that violates applicable laws or regulations or violates the rights of a third party; or
Violate any of these Terms, including without limitation the Posting Rules below.


Account Registration



Certain areas of the Website or Lifeinsurance99 Channels may require account registration or may otherwise ask you to provide information to participate in certain features or access certain Content. The decision to provide this information is purely optional. However, if you elect not to provide such information, you may not be able to access certain Content or features or participate in various areas of the Website or Lifeinsurance99 Channels. When you register or become a member of the Website or Lifeinsurance99 Channels or provide information to the Website or Lifeinsurance99 Channels in any other manner, you agree to provide only true, accurate, current, and complete information. Using a name other than your own legal name or otherwise impersonating another person is prohibited. You agree that Lifeinsurance99 may use the information you provide to us according to its Privacy Statement.


If you create an account with the Website or Lifeinsurance99 Channels, you agree to accept responsibility for all activities that occur under your account or password and agree that you will not sell, transfer, or assign your account or any account rights. Each registration or account is for a single user only. You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so that others may not access the Website or Lifeinsurance99 Channels using your credentials. Lifeinsurance99 reserves the right to terminate your account and/or deny access to the Website or Lifeinsurance99 Channels to any person Lifeinsurance99 suspects has violated or is violating these Terms.


Website or applicable Lifeinsurance99 Channel accounts may sometimes be provided through another party, for instance, an institution of higher learning where you are a student. In such circumstances, information about you necessary to provide you with an account—like your school email address—may have been provided to us by that third party.

Other Information Content Providers

The Website and Lifeinsurance99 Channels may distribute content supplied by other information content providers such as non-staff contributors and commenters. We use these providers to enhance your experience on the Website and Lifeinsurance99 Channels. Lifeinsurance99, the Website, and Lifeinsurance99 Channels are not responsible for the statements and opinions expressed by those content providers. Responsibility for the accuracy and completeness of such content lies solely with those content providers and is not guaranteed by Lifeinsurance99.

Pursuant to 47 U.S.C.§ 230, Lifeinsurance99 is not the publisher of such information and is therefore not liable for any delays, inaccuracies, errors, or omissions in such Content. Given the volume of information posted by such providers, the Website cannot and does not monitor all of the information posted to the Website or Lifeinsurance99 Channels and assumes no duty to monitor the Website or Lifeinsurance99 Channels for inappropriate or inaccurate Content. Neither Lifeinsurance99 nor its affiliates or employees shall be liable to any user or anyone else for claims of defamation, libel, slander, infringement, invasion of privacy and publicity rights, obscenity, pornography, fraud or misrepresentation arising from such Content. Notwithstanding the foregoing, Lifeinsurance99 reserves the right to remove information provided by other information content providers at any time in its sole discretion.

User-Generated Content: Comments and Other Submissions



The interactive areas of the Website and Lifeinsurance99 Channels are provided to give users an interesting and stimulating forum to express their opinions and share their ideas and information, sometimes with one another, and sometimes directly with Lifeinsurance99. To protect your safety, please use your best judgment when submitting information to the Website and Lifeinsurance99 Channels. We particularly discourage divulging personal phone numbers, addresses, or other personal or personally identifiable information in public areas of the Website and Lifeinsurance99 Channels. Lifeinsurance99 reserves the right to delete, move, or edit any Post (as defined below) at any time, for any reason, but Lifeinsurance99 has no obligation to review or remove any such content. Lifeinsurance99 does not endorse any information or user view communicated in such public areas by the users of the Website or Lifeinsurance99 Channels.


The Website and Lifeinsurance99 Channels may also offer areas for you to provide Lifeinsurance99 and its affiliates and related entities your feedback and opinions (e.g., a Website user survey), some of which may have additional terms that supplement these Terms. If you respond to a survey or provide feedback, you do so voluntarily, and you agree to abide by these Terms and acknowledge that Lifeinsurance99 will process the information you provide in accordance with its Privacy Statement. Lifeinsurance99, in its sole discretion, will be free to use (or not use) any feedback or suggestion provided, and you will not be entitled to any compensation, nor will Lifeinsurance99 have any obligation towards you.


By storing, submitting, posting, uploading, creating, communicating, responding with, or placing any content on or to the Website or Lifeinsurance99 Channels (collectively, “Post” or “Posting”), you represent and warrant that: (a) you own or otherwise have all necessary rights and permissions to the content that you Post; (b) the content you Post is accurate and does not violate applicable law, these Terms, or another person’s or entity’s rights; (c) you will not use automated means to Post or distribute content; and (d) the content you Post will not cause injury to any person or entity, nor cause Lifeinsurance99 to violate the rights of any third party. You are solely responsible for your Posts and your access to and interactions with Content and others’ Posts. You recognize that storing, transmitting, distributing, or transmitting content, material, or information that is unlawful or otherwise in violation of these Terms may expose you to criminal and/or civil liability.


By Posting content to the Website or Lifeinsurance99 Channels, you grant Lifeinsurance99 and its affiliates and related entities a perpetual, irrevocable, worldwide, royalty-free, sub-licensable, transferable, non-exclusive right and license to (and permit others to) use, copy, modify, relocate, display, archive, store, distribute, reproduce, and create derivative works from and otherwise exploit all content you Post to the Website or Lifeinsurance99 Channels, including your name and other biographical information contained in the content you Post, in any form, media, software, or technology of any kind, whether now existing or developed in the future. Without limiting the generality of the previous sentence, you authorize Lifeinsurance99 to include the information you Post in a searchable format that may be accessed by other users. The rights and licenses granted in this paragraph also include any material, information, ideas, concepts, know-how, or techniques contained in any Post. All rights granted in this paragraph may be enjoyed and exploited without providing you compensation or attribution of any sort.


Please note that Lifeinsurance99 does not accept unsolicited materials or ideas for use or publication. Lifeinsurance99 is not responsible for the similarity of any of its content or programming in any media to materials or ideas transmitted to Lifeinsurance99.

Posting Rules

Interactive areas of the Website and Lifeinsurance99 Channels are intended to encourage active and thoughtful public discussion and/or provide a way for you to share your opinions. We expect opinions to differ. By using areas of the Website and Lifeinsurance99 Channels that allow for public discourse, you are participating in a community that is intended for all our users. We reserve the right to remove any content Posted on the Website or Lifeinsurance99 Channels at any time for any reason without notice. Decisions as to whether content violates any of Lifeinsurance99’ posting rules will be made by Lifeinsurance99 in its discretion after we have actual notice of such posting. Without limiting our right to remove any content, you shall not Post content to the Website or Lifeinsurance99 Channels that:

Contains unlawful, vulgar, profane, obscene, pornographic, abusive, violent, threatening, or hateful language or content, or otherwise attacks other users or depicts nudity or contains sexually explicit content;
Discriminates on the basis of race, ethnicity, national origin, religion, sex, gender, gender identity, age, disability, and/or marital status;
Is defamatory, libelous, deceptive, fraudulent, inaccurate, incoherent, or contains gross exaggerations or unsubstantiated claims;
Violates any right of Lifeinsurance99 or any third party, including privacy and intellectual property rights (for example, Posting copyrighted material without the express permission of the owner);
Violates any law, rule, regulation, or ordinance, or attempts to encourage or promote the evasion or violation of such;
Unfairly interferes with another’s uninterrupted use and enjoyment of the Website or Lifeinsurance99 Channels;
Advertises, promotes, or offers to trade any good or service, except in areas specifically designated for such purposes;
Discloses, uses, or attempts to use another’s account, password, service, or system, except as expressly permitted by these Terms;
Contains, introduces, or transmits viruses, malware, ransomware, or other malicious code, means, or devices; or otherwise disrupts or interferes with the security of the Website, or any service, system resource, account, credential, password, server, or network connected to or accessible through the Website, Lifeinsurance99 Channels, or affiliated or linked sites;
Spams an individual or entity by repeatedly responding to their Posts or sending them repeated messages; or duplicates a prior Post under multiple threads or subjects;
Disguises the origin of the Post or is otherwise designed to impersonate another person or entity; or
Collects or stores other users’ personal information or discloses personal, sensitive, or account log-in information of another person.

Certain violations of these rules may be referred to law enforcement authorities. Lifeinsurance99 reserves the right to disclose any information as necessary to satisfy any law, regulation, or governmental request.

Website Security Rules



You are prohibited from violating or attempting to violate the security of the Website or Lifeinsurance99 Channels, including without limitation, (a) accessing data not intended for you or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan, or test the vulnerability of a system or network, or to breach security or authentication measures without proper authorization, (c) attempting to interfere with any service to any user, host, or network, including, without limitation, via means of submitting a virus to the Website, overloading, “flooding,” “mailbombing,” or “crashing,” (d) forging any TCP/IP packet header or any part of the header information in any e-mail, forum, or newsgroup posting, or (d) scraping or otherwise collecting data or information through automated means. Violations of system or network security may result in civil or criminal liability. Lifeinsurance99 will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting those who are involved in such violations.

Third Parties



Your dealings or communications through the Website and Lifeinsurance99 Channels with any party other than Lifeinsurance99 are solely between you and that third party. For example, certain areas of the Website and Lifeinsurance99 Channels may allow you to conduct transactions or purchase goods or services. In most cases, these transactions will be conducted by our third-party partners and vendors. Under no circumstances will Lifeinsurance99 be liable for any goods, services, resources, or content available through such third-party dealings or communications, or for any harm related thereto. Please review carefully that third party’s policies and practices and make sure you are comfortable with those policies and practices before you engage in any transaction. Any complaints, concerns, or questions you may have relating to materials provided by third parties should be forwarded directly to the third party.


Lifeinsurance99 may sometimes engage in affiliate marketing, embedding affiliate links into certain pages of our Website or Lifeinsurance99 Channels. Lifeinsurance99 will provide notice when it embeds such affiliate links. Clicking on or purchasing products or services through affiliate links may result in Lifeinsurance99 earning a commission. Any purchase you make through an affiliate link is made directly with those third parties, not Lifeinsurance99, and these third parties often have their own terms and conditions and privacy statements, which Lifeinsurance99 encourages you to review. Lifeinsurance99 is not responsible for evaluating any offer made by these third parties; Lifeinsurance99 makes no warranty about these third parties or offerings; and Lifeinsurance99 does not assume any liability for any act, omission, product, or service of these third parties.

Software Available On This Website



Any software that is made available to download from the Website or Lifeinsurance99 Channels (“Software”) is the copyrighted work of Lifeinsurance99′ suppliers, unless otherwise indicated. Use of the Software is governed by the terms of the end-user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). End users shall not install or use any Software that is accompanied by or includes a License Agreement, unless the end user first agrees to the License Agreement’s terms. Any such Software is not available to users in territories where its distribution is prohibited by law.

International Users



The Website and certain Lifeinsurance99 Channels are controlled, operated, and administered by Lifeinsurance99 from its offices within the United States. Lifeinsurance99 makes no representation that materials or Content available through the Website or Lifeinsurance99 Channels are appropriate or available for use outside the United States, and access to them from territories where their contents are illegal is prohibited. You may not use the Website or Lifeinsurance99 Channels or export the Content in violation of U.S. export laws and regulations. If you access the Website or Lifeinsurance99 Channels from a location outside the United States, you are responsible for compliance with all local laws.

E-Mail Addresses



You hereby acknowledge and agree that any notice or disclosure Lifeinsurance99 sends to the email address you provide to us satisfies any requirement that such notice, disclosure, or communication be provided in writing.

Modification



Lifeinsurance99 shall have the right, at its discretion, to change, modify, add, or remove terms of this agreement at any time without notice. Changes shall be effective immediately. You agree to review this agreement periodically since subsequent use by you of the Website or Lifeinsurance99 Channels shall constitute your acceptance of any changes. Lifeinsurance99 shall have the right at any time to change or discontinue any aspect of the Website or Lifeinsurance99 Channels, including, but not limited to, the community areas, Content, hours of availability, and equipment needed for access to use. Such changes, modifications, additions, or deletions shall be effective immediately upon posting, and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications, or deletions. Lifeinsurance99 may also restrict your access to certain portions of the Website or Lifeinsurance99 Channels for any reason and without providing any notice. Lifeinsurance99 may at any time charge a fee or require a subscription to access portions of the Website or Lifeinsurance99 Channels.

Notice of Availability of Filtering Software



You should know that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist in limiting access to material that is harmful to minors. A report detailing some of those protections can be found at http://www.ntia.doc.gov/ntiahome/ntiageneral/cipa2003/index.html (Children’s Internet Protection Act: Report on the Effectiveness of Internet Protection Measures and Safety Policies).

Disclaimer



YOUR USE OF THE WEBSITE, LIFEINSURANCE99 CHANNELS, AND ITS CONTENTS IS AT YOUR OWN RISK. ALL MATERIALS AND SERVICES ON THE WEBSITE, LIFEINSURANCE99 CHANNELS, AND ANY THIRD-PARTY SITES TO WHICH THE FOREGOING LINKS ARE PROVIDED “AS IS” OR “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. LIFEINSURANCE99 IS NOT RESPONSIBLE FOR THE AVAILABILITY OR CONTENT OF OTHER SERVICES THAT MAY BE LINKED TO THE WEBSITE OR LIFEINSURANCE99 CHANNELS. BECAUSE LIFEINSURANCE99 HAS NO CONTROL OVER SUCH SERVICES, YOU ACKNOWLEDGE AND AGREE THAT LIFEINSURANCE99 IS NOT RESPONSIBLE FOR THE AVAILABILITY OF SUCH EXTERNAL SERVICES, AND THAT LIFEINSURANCE99 DOES NOT ENDORSE AND IS NOT RESPONSIBLE OR LIABLE FOR ANY CONTENT, ACCURACY, QUALITY, ADVERTISING, PRODUCTS OR OTHER MATERIALS ON OR AVAILABLE FROM SUCH EXTERNAL SERVICES. YOU FURTHER ACKNOWLEDGE AND AGREE THAT LIFEINSURANCE99 SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT, GOODS, OR SERVICES AVAILABLE ON OR THROUGH SUCH EXTERNAL SERVICES. THE CONTENT PUBLISHED ON THE WEBSITE OR LIFEINSURANCE99 CHANNELS MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE WEBSITE AND LIFEINSURANCE99 CHANNELS. LIFEINSURANCE99 AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE WEBSITE OR LIFEINSURANCE99 CHANNELS AT ANY TIME INCLUDING CHANGES TO THESE TERMS. THE WEBSITE OFFERS A SEARCH FEATURE WITHIN THE SITE. LIFEINSURANCE99 EXPLICITLY DISCLAIMS ANY RESPONSIBILITY FOR THE CONTENT OR AVAILABILITY OF INFORMATION CONTAINED IN OUR SEARCH INDEX OR DIRECTORY. LIFEINSURANCE99 ALSO DISCLAIMS ANY RESPONSIBILITY FOR THE COMPLETENESS OR ACCURACY OF ANY DIRECTORY OR SEARCH RESULT. LIFEINSURANCE99 AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS AND, TO THE FULLEST EXTENT ALLOWED BY LAW, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE REGARDING THE SUITABILITY OF THE INFORMATION; THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE CONTENT, SERVICES, PRODUCTS, TEXT, GRAPHICS, LINKS, OR OTHER ITEMS CONTAINED WITHIN THE WEBSITE OR LIFEINSURANCE99 CHANNELS, OR THE RESULTS OBTAINED FROM ACCESSING AND USING THE WEBSITE OR LIFEINSURANCE99 CHANNELS AND/OR THE CONTENT CONTAINED THEREIN. LIFEINSURANCE99 DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE, INCLUDING BULLETIN BOARDS OR THE SERVER THAT MAKES IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE USER ASSUMES THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION OF THE USER’S COMPUTER AND OTHER EQUIPMENT. NO CONTENT OR PART OF THE WEBSITE OR LIFEINSURANCE99 CHANNELS SHOULD BE RELIED ON AS A REPLACEMENT OR SUBSTITUTE FOR OR BE CONSTRUED TO BE FINANCIAL, MEDICAL, TAX, OR LEGAL ADVICE. LIFEINSURANCE99 IS NOT AN INVESTMENT ADVISOR, REGISTERED BROKER-DEALER, OR EXCHANGE, AND NOTHING IN THE WEBSITE OR OTHER CHANNELS SHOULD BE CONSTRUED AS INVESTMENT ADVICE, RESEARCH OR INVESTMENT ADVISORY SERVICES. NO PART OF THE WEBSITE OR LIFEINSURANCE99 CHANNELS CONSTITUTES A SOLICITATION, OFFER, OPINION, ENDORSEMENT, OR RECOMMENDATION BY LIFEINSURANCE99 TO BUY OR SELL ANY SECURITY OR ANY SERVICE REGARDING THE PROFITABILITY OR SUITABILITY OF ANY SECURITY OR INVESTMENT.

Indemnity/Limitation of Liability



AS A CONDITION OF USE OF THIS WEBSITE AND ANY LIFEINSURANCE99 CHANNELS, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS, LIFEINSURANCE99 AND ITS SUPPLIERS, EACH OF THEIR PARENT AND AFFILIATED COMPANIES, AND EACH OF THEIR RESPECTIVE PARTNERS, SUPPLIERS, LICENSORS, OFFICERS, DIRECTORS, SHAREHOLDERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS AND AGENTS, FROM ANY AND ALL CLAIMS (INCLUDING, BUT NOT LIMITED TO, CLAIMS FOR DEFAMATION, TRADE DISPARAGEMENT, PRIVACY AND INTELLECTUAL PROPERTY INFRINGEMENT) AND DAMAGES (INCLUDING ATTORNEYS’ FEES AND COURT COSTS) ARISING FROM OR RELATING TO ANY ALLEGATION REGARDING: (A) YOUR USE OF THE WEBSITE OR ANY LIFEINSURANCE99 CHANNELS; (B) LIFEINSURANCE99’ USE OF ANY CONTENT OR INFORMATION YOU PROVIDE OR POST; (C) INFORMATION OR MATERIAL POSTED OR TRANSMITTED THROUGH YOUR ACCOUNT, EVEN IF NOT POSTED BY YOU; AND, (D) ANY VIOLATION OF THESE TERMS BY YOU. If you are dissatisfied with any Lifeinsurance99 material, or with any of Lifeinsurance99′ Terms, your sole and exclusive remedy is to discontinue using the Website or Lifeinsurance99 Channels, as applicable.


UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL LIFEINSURANCE99, OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, THAT RESULT FROM: (A) THE USE OF, OR THE INABILITY TO USE, THE CONTENT, WEBSITE, OR LIFEINSURANCE99 CHANNELS; (B) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, THE CONTENT, THE WEBSITE, OR LIFEINSURANCE99 CHANNELS; OR (C) ANY ERRORS OR OMISSIONS IN THE CONTENT, WEBSITE, OR LIFEINSURANCE99 CHANNELS. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT LIFEINSURANCE99 IS NOT LIABLE FOR ANY CONDUCT OF ANY USER.

General



These Terms shall be deemed to include all other notices, policies, disclaimers, and other terms contained on the Website and Lifeinsurance99 Channels; provided, however, that in the event of a conflict between such other terms and the terms of these Terms, the terms of these Terms shall control except where expressly stated otherwise. Notwithstanding the previous sentence, nothing contained in these Terms shall take precedent over Lifeinsurance99’ Privacy Statement.


These Terms have been made in and shall be construed and enforced in accordance with the laws of the State of New York, without giving any regard to its conflict of law principles. Any action to enforce this agreement shall be brought and in and you agree to submit to the exclusive jurisdiction of the federal or state courts located in the State of New York, in the Southern District of New York. If any provision is deemed to be unlawful or unenforceable, that shall not affect the validity and enforceability of the remaining provisions. Any cause of action or claim you may have with respect to the Website must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. Any failure of Lifeinsurance99 to enforce or exercise any provision of this Agreement or related right shall not constitute a waiver of that right or provision.

Neither the course of conduct between the parties nor trade practice shall act to modify any provision of these Terms. The section titles used in this Agreement are purely for convenience and carry with them no legal or contractual effect. In the event of termination of these Terms for any reason, you agree that the following provisions will survive: the provisions regarding the limitations on your use of Content, the license(s) you have granted to Lifeinsurance99, and all other provisions for which survival is equitable or appropriate. Lifeinsurance99 may assign its rights and duties under these Terms to any party at any time without notice to you.

Service Contact



Contact webmaster@lifeinsurance99.com with questions or problems with the Website.